If you have the cash, go for the full payment, imagine the savings you will make. If you have it financed and you pay in increments for 5 years, you could save as much as PhP100,000 or more if you pay in cash instead, depending on the type of vehicle and the financing details.

not brand new but less than 3yrs old or bank re-po car. anything older than 5yrs is a NO GO anymore.if you have the means to buy in cash, then go for cash. think of all those interest payments that you'll save.

if you can't pay in cash, then opt for a 3yrs payment. don't pay it in 5yrs. lugi ka sa re-sale value ng car.

Buy a car thru financing, then buy a property and have it rented. Use your property rental income to pay the monthly amortization of your car. After your loan is fully paid, you don't only have a car, may free bahay ka pa na nag gegenerate ng passive income.